Harford County property record for 440 E Broadway, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,074 sqft · built 1971 |
| Lot Size | 0.272 acres (11,844 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,277 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-017354 |
| Primary APN | 03-017354 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,074 sqft Total Area |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,844 sqft (0.272 acres) |
| Porch | Slab |
| Porch Area | 200 sqft |
| Patio Area | 504 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 017354 |
|---|---|
| Street Address | 440 E BROADWAY |
| City | BEL AIR |
| State | MD |
| Zip | 21014-3204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 24 11844 SF 440 E BROADWAY HARF COMM P 23/22 |
| Legal Subdivision | HARFORD COMMONS |
| Legal Block | C |
| Legal Lot Number | 24 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 303803 |
440 E Broadway is owned and occupied by two individuals who acquired it in October 2018.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 E BROADWAY, BEL AIR, MD 21014-3204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit FREEDOM FCU |
| Oct 27, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage EMM LOANS LLC |
| Oct 17, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage E MORTGAGE MANAGEMENT LLC |
| Sep 21, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 5, 2018 |
| Transfer Doc | 0130240033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 440 E BROADWAY, BEL AIR, MD 21014-3204 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0155240351 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 15524/351 |
| Name | FREEDOM FCU |
|---|---|
| Type | Credit Union |
| Address | BEL AIR, MD 21014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 440 E BROADWAY, BEL AIR, MD 21014-3204 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0142140469 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 14214/469 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08002 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 17, 2018 |
| Property Address | 440 E BROADWAY, BEL AIR, MD 21014-3204 |
| Document Number | 0130240033 |
| Book / Page | 13024 / 0033 |
| Map Reference | NMB GRG23 L22 |
| Instrument Date | Oct 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 440 E BROADWAY, BEL AIR, MD 21014-3204 |
| Document Number | 0001302438 |
|---|---|
| Date | Oct 17, 2018 |
| Instrument | 13024/38 |
| Name | E MORTGAGE MANAGEMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 21, 2017 |
| Property Address | 440 E BROADWAY, BEL AIR, MD 21014-3204 |
| Document Number | 0125210217 |
| Book / Page | 012521 / 000217 |
| Instrument Date | Sep 13, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 E BROADWAY BEL AIR MD 210143204, BEL AIR, MD 21014-3204 |
The 2026 property tax bill for 440 E Broadway was $2,277, up 7% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Municipality | Bel Air Town |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,277.00 (+6.95%) | $238,933 (+2.24%) | $249,400 (+6.72%) Land $83,900 Building $165,500 |
| 2025 | $2,129.00 | $233,700 Land $83,900 Building $149,800 | $233,700 Land $83,900 Building $149,800 |
| 2023 | $212,967 | $233,700 Land $83,900 Building $149,800 | |
| 2022 | $1,931.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 E Broadway in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 440 E Broadway is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people · EPA ID MD0120003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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